PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firstar Bank U.S.A., National Association

Waukegan, IL · Cert 34039

FDIC

Q3 2001

$613.9MAssets
$538.4MLoans
$4.9MDeposits
$168.3MEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $4.9MQ3 2000Q3 2001

NIM

12.73%Q1 ’0111.53%Q2 ’0112.33%Q3 ’01-7%+15%

Non-interest income vs. expense

6.39%Q1 ’014.77%Q2 ’014.51%Q3 ’01-61%-9%

Executive Summary

  • Earnings: ROA of 6.76%, up 87 bps year over year; NIM at 9.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.92%.
  • Funding: loans stand at 10962.49% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

6.76%+87 bps YoY

Net Interest Margin (YTD, annualized)

9.43%

Efficiency Ratio (YTD, annualized)

23.30%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets5.88%6.62%7.11%6.59%6.76%+87 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a8.85%8.23%9.43%n/a
Efficiency Ration/an/a34.89%26.57%23.30%n/a
Non-Interest Burdenn/an/a-3.09%-4.96%-5.42%n/a
Growth
Asset Growth (YoY)-39.58%41.18%33.92%4.08%21.38%+6,096 bps
Loan Growth (YoY)-41.63%30.51%31.07%37.09%28.50%+7,013 bps
Deposit Growth (YoY)-26.49%219%29.60%-10.79%-19.01%+747 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a1.21%3.50%3.92%n/a
Allowance / Loansn/an/a5.32%5.23%6.08%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a29.44%28.98%30.56%n/a
Equity / Assetsn/an/a26.60%26.06%27.42%n/a
Liquidity & Funding
Loans / Deposits6909%12183%9345%17765%10962%+405,336 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a